Capital One® Quicksilver® Cash Rewards Credit Card Review

Capital One Quicksilver is an excellent everyday rewards card that you only need good credit to get. Why’s it so great? Well, with no annual fee and simple yet lucrative rewards, racking up savings with the Quicksilver Card doesn’t take much effort. You’ll even get 0% intro APRs, though financing isn’t the Quicksilver Card’s strong suit.

So if you want a low-maintenance rewards card, Quicksilver might just be for you. More specifically, here’s what you should know about the Capital One Quicksilver Card before you apply:

$150 initial bonus. Although relatively modest compared to the market’s biggest bounties, the Capital One Quicksilver Card’s $150 initial bonus is one of the easiest to earn. You simply need to spend at least $500 within three months of account opening. That works out to 30% cash back, which obviously isn’t too shabby. And who wouldn’t want an extra $150 for basically going about their normal business?

1.5% cash back. You don’t have to worry about rotating bonus categories, earnings limits or other rewards trickery with the Capital One Quicksilver. Instead, you get a steady cash-back earning rate that’s nearly 50% higher than the market average.

No annual fee. This saves you nearly $16 per year compared to the average credit card. You won’t feel pressured to use your Capital One Quicksilver Credit Card just to break even, either.

No Foreign Fees. Like all other Capital One credit cards, the Quicksilver Card does not charge foreign transaction fees. That’s one reason it’s among 2018’s best credit cards for international travel, according to WalletHub’s editors.

0% intro rate. Offering 0% interest on new purchases and balance transfers for the first 9 months your account is open, the Capital One Quicksilver Rewards Card clearly has some financing appeal, too. Unfortunately, a 3% transfer fee complicates the latter type of transaction.

Good credit or better required. If you don’t have the good or excellent credit needed to get the standard Quicksilver Card – find out by checking your latest credit score for free on WalletHub – you may still be able to join the Capital One Quicksilver family. The Capital One QuicksilverOne Card is available to people with limited or fair credit. And it offers the same 1.5% cash back on all purchases as Quicksilver, albeit with a $39 annual fee.

Finally, it’s always a good idea to read some user reviews before getting a new product. And you can see what the people think of Capital One Quicksilver, below.

The easiest way to check the balance of your Quicksilver card is to register your account for online management at: https://servicing.capitalone.com/c1/Login.aspx . You can also check your balance through the Capital One mobile app or by calling customer service at: 800-955-7070.

Like the overall spending limit on a credit card, the amount you can withdraw in cash varies by cardholder, so there’s no general answer to that question. Both your daily and overall cash advance limits should be listed on your monthly statement. You can also find out by calling Capital One’s customer service department (800-955-7070) or by enrolling in online banking at: https://servicing.capitalone.com/c1/Login.aspx.

To pay your balance online, you will need to register your account for online access. You can do so here: https://services1.capitalone.com/ui/#/cardEnrollment/access . Hope this helps. Please let us know if you have any other questions.

If you have a balance of less than $25, your minimum payment is going to be equal to your balance. If that's not the case, your minimum payment will be the greater of $25 or 1% of your balance plus new interest, late payment fees, and an amount equal to a full year of membership fees divided by 12. Take into account that the bank might also add any past due amount to your minimum payment.

Yes, withdrawing money from an ATM using your credit card is considered a cash advance, regardless of what country you’re in when you do it. The only likely differences are that it might be more expensive if foreign transaction fees are applied and you might run into more logistical issues. So, while an international cash advance could help you out if you’re in a pinch, it certainly shouldn’t be your preferred means of accessing hard currency while out of the country.

If Capital One approves your application, you will receive the credit card by mail within 7-10 business days. If you need your card faster, you can pay $16 for expedited shipping and get it in 2-3 business days.

3.6 out of 5

Paid off my balance in full before due date, charged me interest, asked for it to be waived but they refused. Horrible customer service. I had a couple of cards from Chase in the previous years and their customer service was excellent. They work with card holders and are glad to help with any questions or fees. Wouldn't recommend this card to anyone I know.

I'm very upset with Capital One right now. I applied last Tuesday and was approved right away. So I decided to download the app while I waited for my card to come in the mail. I noticed there was a restricted alert on my account but I thought it was because I hadn't received the card yet. I received the card on Saturday. I was actually pretty excited by how fast it came. So I went on the app to activate the card and it wouldn't let me. So I called the number to activate it and my call was directed to the fraud department. They told me to take a picture of my license, front and back, a picture of my social security card, and a picture of a piece of mail for proof of residency. It's not that I dont understand why I have to do this. It's that I was approved and they sent the card out even though the restricted alert popped up on the day that I applied. They could've called me to let me know what was going on and they didn't. If any other issues pop up, I'm going to wipe my hands clean of these guys.…read more

I think my Siver Capital one Card was misrepresented to me...When the representative explained to me the $100. Bonus I would received after purchases of $500. In the first 3 months...I hoping they rectified this matter for me ...I will know in a week or so...When they go over my account...I appreciated Capital one very much and there service is top notch

I've posted this on other sites, and I'm going to keep sharing so that potential users are aware. I'm not the only one who has had this issue either.

I've had this card for several years. Always paid on time, happy with everything until it got compromised due to a fraudulent attempt this weekend. Thankfully with the Capital One Wallet app, I caught it right away and locked my card. I called in to get it closed and replaced. When the new card arrived, a sticker on the front read that it was already activated- that was new/different than ususal, but I shrugged it off and put it in my wallet.

Unfortunately, when I went to use it the next day, it was declining. I logged in online and it said my new credit card account was locked and I needed to call the fraud team. Very strange, since I thought the fraud was handled and this was a new card. I called in, and they told me my credit card address was flagged as "bad" and I needed to provide my driver's license scanned back-to-front, proof of residence, and my social security card scanned to get the hold removed. Wait, what? Why should I have to do any such thing after being a recent victim of fraud? What made even less sense was that the address the fraud team flagged as "bad" is the same one I do all my Capital One banking at, where my credit card has been registered for months, and where they shipped the new card. And if they genuinely felt my address was even potentially "bad" or "fraudulent" (both suggestions are logically absurd), why would you bother to ship the new card here?! That above all else shows clearly, the issue is rigid customer service, not my actual consumer safety from fraud. To me, it sounds like a computer algorithm flagged something erroneously, and a human needs to take the extra step to apply the logic at hand to remove that flag for a loyal, paying customer. No such thing at Capital One "fraud protection" services!

When I tried to explain all this to the rep, I was pretty much ignored. I needed to give them all the aforementioned information, and that was the only solution to a problem I didn't create. No option to escalate to a manger who could help out, no application of basic logic (why suddenly flag this address out of the blue? Why not just call the banking side of operations and cross reference that my address is the same across accounts and settle it that way?). I was so fed up being ignored by the rep, I thanked them and ended the call, and tried calling in again to hope that a human would answer this time. Same roadblock reasoning! The computer is the be all end all. They have no interest in doing their job (customer service), just ticking off whether they got all the information required to clear the flag.

So I'm done with it- the new card can stay on hold, and I'm moving on from QuickSilver. Capital One has enough of my information, and if this is how they treat a loyal, paying customer when fraud occurs, then I'll take my credit card business somewhere that can handle it right. Don't make a customer twice the victim in the name of "security" (again, so secure you shipped the card here). Use your heads, and train a team equipped to provide actual customer service, insted of blindly following an auto prompt. If you can't, at least develop a protocol or route for things to get escalated to a manager than can help.…read more

The $100 promotion is a TRAP. I opened an account online attracted by the $100 promotion. After one month using the card and reaching the promotion condition (spending >$500 within the first 3 months) they said that for any reason (that they could not even clarify) the promotion actually did not apply for me. I never got any notification in the application process about it. It is too easy to cheat to bring costumers and then just say "the promotion does not apply for you".…read more

perfect first credit card. the cashback rewards are the most exciting time of my month. the uber partnership was also very cool. app is easy to use and is linked to creditwise so i can check my score all the time without lowering it. Interest rates may be a little higher than some others but i was using this credit line to build credit and its a dependable service so its a fair tradeoff.

This was my first credit card as student back in 2014 (low 600s not alot of history besides terrible car loans). I've kept it around for sentimental reasons and having a long standing account. Below my pros and cons.

PROS1) Great customer service via the Capital One website (easy to use format); 2) No foreign transaction fee (you don't know how handy this is until you need it);3) On the no foreign fee, Visa/ Mastercard is accepted everywhere, including East Africa!4) Visa benefits (travel insurance, rental car insurance is high, concierge service, road side asst. concierge);5) Charge back Process if you get into it with a merchant is good;6) Rewards procedure is straightforward and simple;7) No annual fee, great for building credit;8) Decent sign up bonus for those not having much credit history

CONS1) High fee if you keep a balance;2) Rewards rate is low;3) Cap one is stingy on credit line increases and initial credit limit.

Overall:This is a great starter card with alot of versatility. I keep it around for the simplicity, no fee, and no foreign transaction fee. However, as: income/ credit score/ purchases increase I would upgrade to a better card.…read more

I am truly disappointed in Capital One. I applied through the website and they gave me two card options. One was for platinum and the other was for Quick Silver. I clicked the Quick Silver and was prompted to join given the benefits the card provided. I applied through the link the website gave.

However, when i spent 500$ and contacted them for the reward, they told me that i am not eligible as i signed up for the quicksilver one card. However i signed up with the link that provided the information about the benefits. The only reason i signed up for the card was because of the benefits.

I wasted my time, my money and my effort to choose Capital one. I am so very disappointed as i feel cheated. This is seriously not acceptable as i wanted to apply for a card for my personal use. I feel so cheated. I hereby request everyone not to sign up with them. Atleast not until you are at the bank and have a written guarantee of what you were promised!…read more

DENIED with average 681 score; no delinquencies or bad accounts in 6+ years, existing paid on time accounts, and "good" approval odds. Strange! This will of course result in my credit score going down. If your score is marginal or low, you might be better off applying for a secured card rather than risking another drop in your credit score.

This is the absolute best credit card I have. The customer service is awesome! If there is any question about fraud they call you ASAP. I had a $200 charge on my card that wasn't made by me. They called me the same day the charge was made, and they canceled the charge, closed out my account and sent me a new card. They have a fraud team assigned to my case and will get back to me if they know anything. I love the 1.5% cash back, once I have enough money earned I put it right back on my card. I have so many good things to say about Capital One, watch the commercial everything they tell you is true!…read more

I've always been a fan of Capital One, as it was the first card I received when I turned 18. I got the Capital One Cash Rewards card, as I got a recommendation from a friend that had the same card. It is a great card and Capital One is a very fair company. The only thing I would improve is making the rewards slightly easier to redeem. I would recommend it to others for sure. I have never had a problem with Capital One and they have always treated me right.…read more

I got this card because I wanted one with a good rewards program. This one meets that need with it's 1.5% cash back. I wouldn't change a thing about it. Capital one's website is easy to use when I pay my bill. I was able to get a credit limit increase after a few months of use. I would happily recommend this to someone else. I have never had a problem with my card so I can't speak for customer service though.…read more

I originally got this card for the cash back you get on every purchase. It honestly sounded too good to be true, but it really does work exactly as they say. Spend money, get cash back. It's that simple. The fee is fixed at 1.5%. So no matter what category you're spending in, you don't get any special reward as some cards do for travel and gas. So you do get your 1.5%, but never anything more. Still, if you do a lot of varied spending as many people do, this card will be worth it. Customer service has been okay. I've never had to call them for anything major, so I can't go too in depth. But each rep I've spoken to has always been courteous and answered whatever question I had at the time. They never gave me the run around or anything crazy. I'd recommend the card to others. Do keep in mind you have to have pretty good credit to get this card. If your credit falls in the fair range or below, they'll probably deny you. But if you have the credit score and do a lot of spending, this card would be a great asset.…read more

I like the Quicksilver, the only reason why I would rate it an average score is because to me it feels like an average card. It's very straightforward, the Quicksilver is a cash back rewards card that awards 1.5% cash back for everything. There are no promotional categories like the Freedom which give you a higher rate back, everything is straight-up 1.5% back. This puts it ahead of other cash back cards that typically only do 1%, but promotional categories probably wouldn't hurt and make this card better than the Freedom. If anything, this is the go-to every day purchases card. Perfect for every day purchasing power.…read more

I've always been a fan of Capital One, as it was the first card I received when I turned 18. I got the Capital One Cash Rewards card, as I got a recommendation from a friend that had the same card. It is a great card and Capital One is a very fair company. The only thing I would improve is making the rewards slightly easier to redeem. I would recommend it to others for sure. I have never had a problem with Capital One and they have always treated me right.…read more

Was approved with 631 credit score in Nov. 2014 with $300 credit limit.After my first 4 on time payments credit limit was increased to $2300 without asking for increase.Continued to use card on normal basis paying off in full each month.In Dec. 2015 went to Cap One website and asked for Credit Limit increase and was approved for $12,500 Credit Limit.The customer service is excellent as well.My Credit Score is now 723.Love my Quicksilver card.…read more

I first took interest in this card because i was looking to rebuild my bcredit after student loans and some other stuff destroyed it i had read on some of the blogs that capitol one was known for taking a chance on that are trying to rebuild there credit so i applied they started me off with a 3000 dollar credit limit that i was very grateful for but surprised at the same time that was about 8 months ago i have been using it fairly often and paying off the balance at the end of the month my score has increased and i like cashback feature and I should mention customer service is the best i have ever seen from any company I would definitely recommend this card to someone trying to rebuild there credit…read more

I've had this card a long time, I think I got it when I was establishing credit. The interest rate is a little high. I haven't had any problems with it. I haven't really had to use the customer service, so I can't say much about that. It's easy to use their website and I receive paperless billing. If the interest rate were a little lower, I would be very pleased with it.

I got this card because I was looking for something that offered a good reward program. I've had cards in the past that offered cash back or points, but redeeming them was always such a pain. I LOVE this card. The reward process is really worthwhile and easy to use, no obnoxious hoops to jump through. I can't think of anything I would improve except maybe the minimum payment. I typically carry a pretty low balance on the card, but I don't like having to pay it off in a lump sum.…read more

I got this card when I was first establishing credit for myself. This card is virtually excepted anywhere and everywhere. One thing that stood out was the $100 cash bonus that I enjoyed spending on an outfit after three months. I like Capital One bank and have had experience with them before. There's not much to improve on this card because I didn't experience any negative issues. Customer service was always nice and helped me with any of my concerns.…read more

I got the Quicksilver card from Capital One because I was looking for a simple cash back rewards card. The two things that drew me to this card were the $0 annual fee and the easy to earn $100 initial bonus. I have found that the 1.5% cash back on all purchases makes this card much easier to use than the cards with rotating with rotating categories because I always know what I'm getting. There is no reason to have to strategically plan your purchases to earn rewards. I also like that my rewards never expire, because I like to let them build up before I redeem them. I think my only issue with the card is that 1.5% is a comparatively low cash back rate, but I think the convenience of no rotating categories to worry about offsets that. Overall, I would definitely recommend this card for anybody looking to an easy to use, hassle-free rewards card.…read more

About 2 years ago I decided I wanted to try and apply for a Capital One card. My relatives had one and they said it was an awesome card to have. I went to their site and applied. I was approved for the Capital One Quicksilver Cash Rewards card. I was amazed at my starting limit on this card. I got this card based on word of mouth reviews and from what I read about it. I think that this card is a great card to have. There are no annual fees which is nice and it has great no interest rate offers. I would say that the only thing that needs to be improved is the time it takes to receive the card. It is a little slower than other cards but I accept that fact about them. The customer service aspect for Capital One is awesome! They are so quick to respond and if they do not have the answer right there, they will actually get it for you and either call you back or you can wait while they get someone to better assist you. I definitely make sure I pay mine on time and pay off the balance because this is definitely a card I cannot live without!…read more

I got it to help me build credit because I've never really had a credit line established before. If I had to improve anything, it would be the APR. It is extremely high at over 22% and despite that I've never been late on a payment, it never decreases. I might recommend it to others that are unable to get a credit card from anyone else as this one is easy to get approved for. Customer service is okay at best. I contacted them last year regarding a question about the APR and they seemed to be mostly clueless, but did provide me with links to the information I was looking for.…read more

Good card to have as part of your portfolio of cards since it has no annual fee.

Not 5-Stars because other cards provide 2% cashback, however their Uber 20% statement credit was a great deal.

Lack of foreign transaction fees and running on the Visa network makes it a great card to use when traveling abroad.

The card usually offers some introduction bonuses and offers. Other promotions associated with the card are their 0% balance transfer checks that get mailed sporadically.

Excellent customer service. You can manage all your CapitalOne accounts in one integrated website and phone App. Also, if you make a mistake and fees are incurred, they usually reverse them if you call.…read more

I like the Quicksilver Capital One because they give you a chance to built your credit score. They give you Zero percent rate for the first year wow. I just wish they would give higher credit limits. They started me out with 500 dollars.

Credit karma recommended Capital One Quicksilver...Transunion 748, Equifax 742 and a recent bankruptcy six months ago. I did have an excellent credit rating because of long credit history and 100% on time payment history. Applied also for CO MasterCard platinum, was approved as well. Looking forward to rebuilding my credit with a fresh start.

I am really happy to own this card. I really like how the limit on the card can be raised, this makes the card very useful for monthly spending on products for the holidays. I have saved much money throughout the years and going on trips have been made a breeze due to the ease of the cards use.

This is the card I use the most. I do not use credit cards very often but I have started using this card frequently due to the cash back option. I use it instead of my debit card now and just pay off the balance monthly so I do not pay interest(although the interest rate is a pretty good rate). I save up my rewards and then use it towards paying off my bill around every 3 or 4 months.…read more

I LOVE THIS CARD, I use my card every month to pay bills, buy groceries and gas and Capital One pays me a small percentage back! I did take advantage of the 100 credit if you spend 500 in the first 3 months, I used my card for Christmas gifts and I'm going to get a 100 buck for doing that. The 1.5 percent you get back on purchases offsets the fairly high interest rate. That's good for people with rebuilding good credit. I really like Capital One's Quicksilver Cash back Card.…read more

I applied and was initially given a $500 credit limit, which went up to $750 within the year. The 0% APR feature is an incredible offer. This allows you to essentially extend out purchases for the cash value you spent and not pay interest. I utilized this as often as I could before the promotion period ended. The online and mobile app for Capital One is very good. I get reminders when my bill is due and can easily pay my bill on my mobile device. Great card so far!…read more

I have had fair credit rating for several years and was in need of a credit card. I completed an application online for the Capital One Platinum card. To my surprise and true happiness, I was approved instantly for $1000. With my credit score and in dire need, it literally saved my life. I called customer service soon after and they were extremely helpful and friendly and answered all my questions quickly. A huge plus is how informative their online interface is, and payments post quickly. The best part so far is my credit score has raised significantly.…read more

Quicksilver card is one of the best cards that I have ever used in my life. From the services to the physical appearance of the card it looks neat and tidy and it also provides information about updates of the respective services. The texture and design of the card really look awesome and it enables the customers to use it more.

Capital One is a great card if you can pay off your balances monthly. After our zero perecent introductory interest I was excited to be able to pay it off. My husband was injured and we were unable to payoff the amount. We have been making minimal payments just keep our credit on the positive side.

A great card for those looking to earn cash back. I use this as my primary card and pay it off each week by transferring money from my primary bank account. I have friends whom have had credit issues in the past that had no trouble getting approval for the QuickSilver card. This is my second card from Capital One over the years and customer service is outstanding, as well.

I love this card. I had dug myself into a hole with credit when I was younger. I was trying to rebuild my credit. Capital one allowed me a credit card and I was off rebuilding. I love the cash back feature. I would highly recommend this card. The interest is a tad high but as I improve my credit it will change.

I love having this card, I was unable to get credit of any kind after my divorce and they took a chance on me. I have had wonderful experiences with capital one and everyone is very friendly and helpful. My interest rate is a little high and I do not have a high credit limit at this time, but in time that will change as my credit score gets better. I am very happy with this card.…read more

I was offered an upgrade to this card recently and seeing the increase in cash back, I decided to accept the offer. This card is absolutely wonderful and it is amazing to get even more cash back than I did before. The smart chip feature also is pretty nifty when shopping versus having to swipe it and that possibly messing up. With no annual fee, it makes the card even more wonderful because it makes me feel like I will not be hit with any sudden charges. Their website is easy to navigate and understand. Also the features that come along with this card that include a credit tracker are extremely helpful. This is truly a well rounded card for anyone.…read more

I was upgraded to the quicksilver as well. I had a rewards card with annual fee and 3300 limit. Just before the upgrade offer I had been approved for a CL increase and had just made a 1k payment. Hope that helps.

So you had the quicksilver one MasterCard with the annual fee? Since you used the card so much to rack up cash back rewards you were offered an upgrade to the visa signature with no annual fee correct? How long did you until you had an offer for an upgrade upon opening the account? just wondering thanks.

I have had this card for a little under a year now at it has been great. The credit limit went up as promised, and it is very easy to pay the bill on time every month using my phone. The cash back is also extremely easy to use, and much less complicated than other cards. I would definitely recommend this card for anyone looking to get a new credit card as it is extremely simple to use, without any hidden fees.…read more

this card is my favorite card out of all the credit cards i ever owned.they really work with you so you can pay on time and not go completely broke after paying because of high fees.the customer service reps are very nice and helpful as well,I love this card.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.